A group pools a fixed amount each round, and one member takes the full pot. Known as chit fund, tontine, or susu around the world. Now automated, transparent, and global.
Payout received!
$3,200 · Sunrise Circle
Collateral locked
2.4 jitoSOL · Safe
Due today
$400 · Sunrise · Rnd 4
Rnd
4/8
$3,200
Total pot
Rnd 5
Your payout
$400
Due today
6/8
Paid this round
YA
Paid
SM
Paid
MK
Pending
Low Fees
Less than a cent per transaction
100%
Transparent and verifiable
Secure
You always control your funds
USD
Stable payouts every round
How it works
No bank required. Just a trusted group, with rules enforced automatically.
Set contribution amount, schedule, and collateral rules. Invite trusted members or discover open circles.
Each round, every member pays the same fixed amount into the pot.
One member takes the full pot each round. The order depends on the circle's rules: fixed, random, or set by member auction.
Optional collateral is held securely and unlocks automatically when the round completes. No one can tamper with it.
Features
Members post jitoSOL or wBTC. Smart contracts hold the collateral and return it when the circle finishes.
Need cash early? Sell your future payout on the marketplace at a discount. Buyers earn a return, you get liquidity.
If you can't post collateral yourself, ask a community sponsor to cover it. Sponsors earn a fee, and your circle reputation travels with you.
Trade round positions with other members on the marketplace to get an earlier or later payout.
Why circles?
Saving alone is hard. A fixed schedule and a group counting on you make it much easier to follow through.
Take an early round and you get a lump sum before you've paid the full amount. No loans, no interest.
Every contribution and payout is recorded permanently. Anyone in the circle can verify what happened, without spreadsheets or blind trust.
Create a circle with friends, or browse open circles to join. Your wallet is all you need.